Newbies and Learning

- When a newbie tries to learn from a player teacher, and the lesson would put them over the 0% Master skill rank cap at which they can earn a 98% refund on class skills on a class change, it will notify the teacher and ask you to make sure the newbie is aware of this and OK with it.

- Newbies who are capped from learning a skillset further by an NPC will also receive a similar explanation about the 98% lesson refund limit, so it doesn't seem so arbitrary.